Date posted: 30/06/2025 3 min read

Business charge cards: powerful strategic tools

Looking for a smarter way to manage business expenses and improve cash flow? American Express Business Charge Cards could be the answer. Brought to you by American Express.

A business charge card can help you to optimise your cash flow and make it easier to track your expenses. Typically, you can also enjoy benefits such as reward schemes and professional perks.

American Express Business Charge Cards set a high standard, with impressive flexibility, wide acceptance and attractive benefits and features. As a member of CA ANZ, you can also take advantage of a special welcome offer. Here’s a taste of what you and your business stand to gain.

Optimised cash flow

American Express Charge Cards provide flexible spending power1, also known as no-preset spending limit. The amount you can spend is dynamic – it can adapt based on your transaction patterns, your business’s credit rating and other factors. On select Australian American Express Business Cards, you can also defer payment on purchases for up to 55 cash flow days2.

Flexible payment option

For greater cash flow flexibility, you can take advantage of a Flexible Payment Option (FPO)3. This allows you to pay off a portion of your balance, with interest, over time up to your FPO limit – a helpful safety net when costs are high.

Pay all of your suppliers with your card

With AccessLine4 you can use your Australian American Express Business Charge Card to pay virtually any supplier in Australia by depositing cash directly into their bank account, even if they don’t accept card payments. Once you have applied for AccessLine functionality and been approved, it can help you pay suppliers at the right time in your billing cycle to maximise your cash flow. You can also pay suppliers faster, which could strengthen relationships. You can even earn reward points5 on every business expense, including ATO and government-related costs.

Financial clarity and control

An American Express Business Charge Card makes it easy to keep your business and personal spending separate. Detailed transaction records allow you to track expenses, plus you can integrate your card with popular accounting and expense management software. You can also set spending limits for employees and earn reward points on their business spending.

Rewards and professional benefits

You can earn reward points on just about every dollar you spend using your American Express Business Charge Card. These can be redeemed for a wide range of rewards including business travel. You can also transfer your points to a number of popular frequent flyer programs6.

Please note: This article refers to cards issued in Australia. Features may differ for New Zealand cards. New Zealand members can also enjoy special offers found on their Member Benefits page.

Find out more

Learn more about the many benefits you can enjoy with an American Express Business Charge Card and find details about the special offers available to you as a member of CA ANZ.

1. Flexible Spending Power: Unless we tell you otherwise, your American Express Charge card comes with flexible spending power, also known as no pre-set spending limit. This means that the amount you can spend is dynamic and can adapt based on your transaction patterns, your business’ credit rating, and other factors. The way you use your Card can help your spending power grow, particularly in the first few months. To help maximise your spending power, make regular transactions and don’t miss any payments. 2. Depending on your method of payment, when you make a purchase, when your statement is issued and whether or not you are carrying forward a balance on your account from your previous statement period. If you pay by direct debit, your payment will be processed 10 days after your statement is issued. 3. With Flexible Payment Option, you will be charged interest if you do not pay your Closing Balance in full by the due date each month. Please refer to your monthly statements for the current interest rate. Please refer to the full Flexible Payment Option Terms and Conditions. 4. This information has been prepared without taking into account your objectives, financial situation or needs. You should read the AccessLine Terms and Conditions and consider the appropriateness of Australian domestic payments using AccessLine in relation to your individual requirements. AccessLine is not available to individual consumers. To enrol in this service, your business will be required to complete an application, which is subject to review and approval by American Express. To use AccessLine, you must have an American Express Business Card or American Express Corporate Card that is registered to use the service. Terms, conditions, fees and charges apply. 5. Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-au/rewards/membership-rewards/terms. You will earn 1 point per dollar spent with Merchants classified as 'government', including the Australian Taxation Office, the Australian Postal Corporation (Australia Post), Federal/State and Local Government bodies, including where you use a payment account, payment aggregator, services of a third party or online retailers that sell goods for another merchant. 6. Subject to the Terms and Conditions of the Membership Rewards program available at https://www.americanexpress.com/en-au/rewards/membership-rewards/terms. To transfer Membership Rewards points into an Airline or Frequent Guest Partner Program you must be a member of the Partner Program. Membership of the Partner Program is the Card Member's responsibility and is subject to the terms and conditions of the applicable Program. A joining fee may apply. Award seats are not available on all routes. Please check availability with the Partner prior to transferring your points. Charges/levies/taxes may apply. The redemption of points will be administered solely by American Express. A minimum transfer amount applies. Points transferred to Partner Airlines are not reversible and American Express holds no responsibility for flight or accommodation availability, which may be limited. This is at the sole discretion of the Airline and Hotel Partners.

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